Aditya Birla Finance x AU Small Finance Bank Credit Cards: Ultimate Guide (2025)

In a changing Indian credit card industry landscape with a proliferation of fintech products and co-branded cards, a new entrant has certainly turned heads – the Aditya Birla Finance x AU Small Finance Bank Credit Cards. This trailblazing collaboration, which officially began in August 2024, has resulted in four unique credit card offerings that target the mass market, millennials, working professionals and business people in India.

As the shift to lifestyle-based spending and financial flexibility becomes more popular, these cards offer a thoughtful mix of benefits and rewards and smart design. No matter if you’re a young professional, a deal hunter or a business owner with steady costs, there’s probably a card in this cohort that’s right for your circumstances.

Moving on through this detailed review of Aditya Birla Finance -AU Bank credit cards, let’s now get our hands on the various features, benefits, fee structure and why should you consider adding them to your wallet.

Overview: The Four Variants

The product offering is also quite expansive, targeting people at various spending levels. Here’s a tease of each version:

Both cards offer their own rewards plan, benefits, fee waivers, and stand out in specific lifestyle categories.

ABC Flex & ABC Nxt: Daily Drivers for the Regular Spender

These two cards, which charge no lifetime fees, have been constructed for young professionals and middle-income earners. ABC also offers similar features with it's ABC Flex products, as well their ABC Nxt range, both which are positioned differently in branding. Let’s explore what you get:

1. Accelerated Rewards

• 6X Reward Points on:

  • Utilities

  • Education

  • Groceries

  • Departmental Stores

• 4X on Online Transactions

• 2X on Offline Retail Spends

This makes Flex and Nxt perfect for reoccurring monthly payments like tuition, electricity, groceries, online shopping and more.

2. Cashback Benefits

• 5% Cashback on Ola rides up to ₹100/month

• Convenient for daily commuters who use Ola Auto as a preferred method of travel

3. Lounge Access

• Free entry in to the Railway Lounges

• Max 2 visits per quarter

• Total 8 visits annually

Useful if you are a tier 2 city traveler where you may not find airport lounges commonly.

4. Other Benefits

• Fuel surcharge waiver across all fuel stations: 1%

• Forex Markup Fee: 3.5%

• Milestone Bonus: Double edge reward points on retail spends over ₹50,000/quarter

• Network: RuPay and Visa

  • RuPay version (supports UPI-based payments)

Suitable for: First time credit card users, salaried workers, students with education expenses, Ola commuters.

ABC Pro: Features for the Big Spender in You

With the better earning structure and premium features, ABC Pro would be a gem for those who are already spending approximately ₹1.5L on a card in a year. Here are the benefits:

1. High-End Rewards

• 10X Points on:

  • Travel

  • Dining

  • Entertainment

  • International Spends

• 6X on Online Transactions

• 4X on Offline Spends

This makes it a great lifestyle card for those who dine out often, travel internationally or entertain.

2. Cashback

• 10% Cashback on Ola rides (up to Rs. inunduation876,month)

3. Lounge Access

• 8 Free Domestic Airport Lounge Visits/year

• Max 2 per quarter, available on quarterly spend ₹20,000+

• 1 International Lounge Access through Priority Pass/year

4. Insurance & Travel Benefits

• Air Accident Insurance: ₹50,00,000

• Lost Baggage Insurance

• Flight Delay Insurance

• Forex Mark-up: Just 1.99%

• Zero Lost Card Liability

5. Milestone Benefits

• Free EazyDiner Prime Membership on spends of ₹2.5L p.a.

• Annual fee: ₹999, Waived against annual spends of ₹1.5 Lakhs and above.

Best For: Users with premium lifestyles such as business travelers and frequent flyers who want luxury access without springing for ultra-premium cards.

ABC Biz: For Entrepreneurs & SME Owners

Small and medium business owners have specific needs: Repeat utility payments, government charges, insurance premiums and bulk spending. ABC Biz is a perfect use case for that.

1. Reward Structure

• 10X Reward Points on:

  • Utilities

  • Insurance

  • Groceries

  • Government Payments

2. Cashback

• Ola Cashback: Not specifically stated but seemed to match Flex/Nxt (5% to 10%)

3. Fee and Waiver

• ₹49/month

• Waived off monthly spend of ₹10,000

This micro-pricing structure makes the card cheaper and more accessible than an annual fee card!

4. Other Benefits

• Fuel Surcharge Waiver: 1%

• Digishield appointment now on Aditya Birla Capital OneApp

Perfect For: Business people who handle transactions frequently such as bills, insurance and taxes.

Shared Ecosystem Benefits

All four cards are a part of the Aditya Birla Capital ecosystem and card holders can also:

• Monitor the use of credit through OneApp mobile app

• Personalize how and when you use your card with app-based controls

• Add new or amend existing insurance, investment or EMI products

This ecosystem play is unique for co-branded cards and a frictionless experience for those already transacting with AB Capital’s NBFC services.

Pros of the Aditya Birla - AU Bank Credit Card Suite

• All Inclusive Card Suite: A card exists for virtually every demographic.

• Free Options for Life: Check out Flex and Nxt, huge features at no long-term cost.

• Rail and Air Lounge Access: Combo is hard to come by in the budget and mid-level card world.

• Business Utility Bonuses: The Biz card is wise to cover business categories regularly left unchecked by other cards.

• UPI Integration: UPI can be linked with RuPay variants which is a big advantage for digital-first kind of folks.

• Waiver Visibility: Easy to moderate-ish spends for all waivers.

Potential Drawbacks

• Reward Redemption Details Not Specified: We do not know the exact point value for other redemptions at this time.

• No International Lounge Program Direct (Except Pro): Only 1 lounge visit/year through Priority Pass.

• Forex Mark-up Remains: Pro brings it down but no completely zero forex fee version.

• Rail Lounge Instead of Airport (Flex/Nxt): Could be restrictive for regular flyers.

Should You Get One?

Here’s a quick recommendation chart:

Final Verdict

The Aditya Birla Finance x AU Small Finance Bank credit card portfolio is one of the most versatile, well-tiered, and lifestyle-aware co-brand launches we have seen in recent times. It steers clear of the most common implementation mistakes of one size fits all offers and addresses various user personas go without saying.

Boasting lifelong free variants, generous perks for everyday spend, and sensible design strategy that leverages Aditya Birla’s larger financial play, these cards have a great shot at acquiring considerable market share.

If you are all about structure, transparency and lifestyle-specific rewards that won’t bust your budget, one of these four cards could be your new financial bestie.

Still undecided? Compare with other leads at Finckr and find the credit card that suits best for your lifestyle, needs and spending habits.